Which Digital Account Yields More in 2024: Comparative Analysis of Returns Above Savings

When it comes to making money work, traditional savings is no longer the best choice. In 2024, digital accounts have emerged as the ideal solution for those seeking higher returns, with yields that can reach up to 113% of the CDI – well above the 7.41% annual rate offered by savings accounts.

Why do digital accounts yield more?

The answer lies in the CDI (Interbank Deposit Certificate), an index that reflects the average interest rate of loans between banks and closely follows the Selic rate. Unlike savings, which has a fixed formula (70% of the Selic + Referential Rate), the yield linked to the CDI is updated daily, providing a much more dynamic and advantageous return.

The practical difference is significant: while a R$ 1,000 deposit in savings generates only R$ 129.29 in 24 months, the same amount in an account that yields 102% of the CDI can generate R$ 204.12 – a considerable advantage for those looking to maximize their gains.

The 8 Biggest Returners in Digital Accounts

Neon – Up to 113% of the CDI: Offers a progressive system where the yield starts at 100% of the CDI and increases every six months, reaching the maximum after two years of permanence. The longer the application period, the lower the deducted fees.

99Pay – Up to 110% of the CDI: The 99 app platform offers differentiated returns: balances up to R$ 5,000 yield 110% of the CDI, with the added benefit of cashback on rides and recharges. An advantage is that the yield occurs every day, including weekends.

Mercado Pago – Up to 105% of the CDI: Anyone with a personal account automatically earns 100% of the CDI. For Meli+ (Mercado Livre loyalty program) subscribers depositing R$ 1,000 or more monthly, the return increases to 105% of the CDI.

PicPay – Up to 102% of the CDI: Besides daily earnings on business days, it offers the “Cofrinhos” feature to organize savings by customized categories, combining profitability with financial control.

Nubank – 100% of the CDI: One of the largest digital banks, invests the money in Federal Public Securities with earnings on all business days after the 31st day, unlike savings which yields only once a month.

PagBank – 100% of the CDI: The Rendeira Account offers automatic yield of 100% of the CDI for balances held for 30 days or more, with simple operation and no complexities.

Iti – 100% of the CDI: Itaú’s digital bank offers automatic earnings from the first business day through the “My Goals” feature, allowing you to set financial goals and track savings in an organized way.

Banco PAN – 100% of the CDI: With a minimum requirement of just R$ 30, PAN offers 10% of the CDI in the first 30 days and 100% of the CDI in subsequent periods, with no maximum balance limit.

Understanding the CDI Differential

The mechanism works like this: the CDI is the base rate that determines returns for various financial products (CDB, LCI, investment funds). When an account yields “above 100% of the CDI,” it means it delivers more than the reference rate itself, generating a higher real gain than the index.

In practice, in a scenario of high Selic (as in 2024), this differential translates into substantial gains. The daily update of the calculation ensures that each fluctuation of the CDI is immediately reflected in the balance, unlike savings with monthly recalculations only on anniversaries.

The Strategic Choice for 2024

Which digital account yields more depends on your profile: if you seek maximum profitability with a long-term commitment, Neon offers 113% of the CDI; if you prefer flexibility and cashback, 99Pay combines a 110% return with additional benefits; if you want simplicity, Nubank, PagBank, Iti, and PAN offer 100% of the CDI with immediate access.

The important thing is to recognize that leaving money in savings in 2024 means missing out on the opportunity for 40-50% higher gains with these digital accounts. The trend in the financial market points to a massive migration of savers to CDI-yielding digital accounts, precisely because the difference accumulates significantly over time.

For those looking to optimize their savings, the choice is no longer between saving or investing – it’s about which digital account with the best CDI return to choose to maximize your money’s potential.